I get the same way about bills and those calls from creditors. I avoid for a long time and I have about a months worth of unopened letters but at some point I face it and I tell them the truth, that I am a gambling addict in recovery stressing the recovery. I was treated as vulnerable by a few creditors because I am over 60 and in recovery from an addiction. They cannot bully you and don’t allow them to. I would even say if they are being aggressive to not treat you that way. When I said to some that I hve been deemed vulnerable they changed their stance immediately. I can’t bear aggressive people and in the U.K. they are now t allowed to be as it gets nowhere and has the opposite effect.
If you can deal with your bills today I will open my letters that have been sitting there lol.
I get the anxiety, it has been stopping me from sleeping too, while thoughts go round and round about what to do. But the bottom line is my debts have been sitting there not paid for about 2 years now some of them and because of vulnerability they have to be careful in their approach.
